The annual rent of 2.5 million investment shops is 90,000 yuan, or deposited in the bank, which is m

Now you need to be cautious when investing in shops, facing the impact of the Internet and high housing prices, many shops cannot be rented out, and the vacancy rate is very high; According to the 2019 investment shop and bank deposit interest comparison, many people still prefer to choose to deposit money in the bank, guarantee the principal and interest, do not have to worry about it, and the interest will be fixed every year, saving worry and effort in investment, so I personally think it is appropriate to deposit money in the bank.

First of all, let's take a look at your shop, the total market value is 2.5 million yuan, the annual rent is 90,000 yuan, and the annual rate of return is 92.5 million * 100% =, which means that the annual rate of return of your shop is 28 years to recover the cost.

According to the ROI criteria of the shop, if the return rate is less than 6%, it is not worth considering. And the current rate of return of your shop is only 28 years to recover the cost, and you can't go to the vacant time on the way, once the vacant can't be rented, it will take even longer to recover the cost.

Let's start with an investment perspectiveIf you put the 2.5 million yuan, it is to buy a very safe treasury bond, the annual interest rate is as high as 4%, and there is an interest income of 100,000 yuan per year. In addition, the annual interest rate of large-amount certificates of deposit with a five-year term of private banks can also be obtained. Just like the smart deposit launched by a bank recently, the annual interest rate is as high as 6%, and the annual interest rate of smart deposit is as high as 6%, and 2.5 million yuan has an interest of 150,000 yuan per year, which is 60,000 yuan more than your rent.

Again, consider the safety of fundsIf you buy a shop with an investment of 2.5 million, your money is equivalent to being invested, and the rate of return is recovered by the annual rent. There is also a risk that the price of the shop will be reduced, and the price of the shop will be high in the face of high housing prices, if the house price is **, the value of the shop will also be reduced, which is also a potential risk. If 2.5 million is deposited in the bank, the principal is very safe, and it can be said that there is no risk investment.

Secondly, it is analyzed from the perspective of liquidity, 2.5 million bought a shop, and after you buy a shop, it is a fixed asset, and after it becomes a fund, the shop is not sold if you want to sell it, if you are in a hurry, there is a certain amount of time for the store to be sold. Deposits are different, especially the smart deposits of private banks, which can be withdrawn at any time, and the liquidity of funds is very strong, which is the advantage of bank deposits.

Finally, the above is summarized for 2.5 million whether to invest in shops or deposit in banksFrom the analysis of the annual rate of return, capital security, and capital liquidity between the two, it is obvious that it is more advantageous to keep money in the bankSo I personally support you 2.5 million deposit bank is more suitable, and now the stage is to make up the suggestion to invest blindly in shops.

The above analysis is only the result of my personal analysis and comparison of the current property market and bank deposits, and I hope my analysis and suggestions can give you reference value.

I think it is more appropriate to deposit in the bank, because in the case of depositing in the bank, the profit is more than 90,000 yuan per year.

Deposit in the bank. The annual rental income of the investment shop is only 90,000 yuan, and the rate of return is only about about it, which is better than the bank, and the income of long-term large funds can reach 5%, so it is recommended to configure.

Of course, it is an investment shop, and the annual rent is 90,000 yuan. Now that the interest rate of the bank is low, it is not cost-effective to put money in the bank, and it is not cost-effective to invest in shops to make money. Or buy a shop and open your own store, and the annual income is more than 90,000 yuan.

It is not cost-effective, under the premise of no capital appreciation of the shop, if a shop of 2 million yuan has an annual rent of only 50,000 yuan, it must be a huge loss business. But will the shops generate capital appreciation in the future? That is, we say that the future selling price will be much higher than the previous purchase price, which is actually unlikely.

The concept of "one shop for three generations" has long been outdated, the times have changed, and the vast majority of shops in the future may not be able to generate capital appreciation for a long time, and it is also possible that with the change of urban planning, and the change of the city, it will become more and more worthless.

Assuming that the premise of increasing the value of the shop is removed, why is it a particularly uneconomical investment to analyze a shop of 2 million yuan with an annual rent of 50,000 yuan?

1. Static analysis of ROI.

The annual rate of return is only. We compare the benchmark deposit term interest rate published by the country.

The interest rate on a three-year fixed deposit.

It has also been reached. If you go to some small banks, the deposit interest rate can reach an annualized rate at most. Even if the rent increases in the future, how much can it be increased?

2. Shops still have fixed expenses every year, and generally have at least the so-called property fees.

and sanitation costs. So assuming that when you can't rent out, the landlord still has to choose to bear this part of the cost by yourself, so the maintenance cost of the shop is relatively high. Not to mention future property taxes.

It will definitely be introduced, and the shop property tax must exist, so there will be more and more daily maintenance expenses in the future.

3. The buying and selling costs of shops are very high. If it is a second-hand shop of 1 million, the buyer needs to pay 3% of the contract amount and the contract stamp duty.

Sellers are also required to pay a transaction fee. In the end, a house of 1 million yuan needs to pay a tax of 30,500 yuan. Because of such a high cost of buying and selling, in fact, the liquidity of the shop is very poor, which means that it is easy to buy and difficult to sell.

4. At present, the property rights of shops in China are generally 40 years, while the property rights of residences are generally 70 years. Then after 4 years, the store will definitely have to spend a lot of money to continue to own and use, so in the future, for the store, it needs to bear the follow-up costs is very uncertain, but it is definitely a lot.

In this case, if the shop can continue to increase its capital, it is worth investing. But now that you look at the development of the Internet and the change in people's habits of buying things, do you still think that the shops on the street are valuable? Is it likely to increase holdings in the future?

In fact, in the future, the value of shops will not increase in value for a long time, and it is likely to depreciate slowly.

So why has there been such a drastic change now and before? Because in the past, we lived in a walled city, and the area that could be used for business was very limited, and at that time, there was no Internet and no online shopping, so everyone had to go to the city to buy things. But now with the construction of subways and roads, the area can be expanded indefinitely, coupled with the application of the Internet, there is no future for buying a shop investment.

It's not cost-effective, you spent 2 million yuan when you bought this shop, but the annual rent is only 50,000 yuan, and it takes 40 years to earn back all the money invested.

It's still a good deal, but it also depends on what the rental agreement is, and you can sign a few years directly with the other party to prevent the rent from being ridiculously high. Don't let yourself suffer.

It's not particularly cost-effective, and now the value of the shop is not as high as before, and the rent may be lower and lower.

At present, I have 500,000 yuan in my hand, and there are only two ways to save this 500,000 yuan, either choose to deposit in the bank to eat interest, or choose to buy a small façade with an annual rent of 10,000 yuan; According to this choice, I personally think that it would be better to choose 500,000 yuan to deposit in the bank and eat interest.

Why would 500,000 prefer to deposit in the bank to eat interest than spend 500,000 to buy a small face? In fact, if you really want to understand this question, through the analysis of the following aspects, the reason for the answer is clear at a glance.

(1) From the analysis of annual income

According to the current deposit interest rates of major banks, the five-year large-amount certificates of deposit are at least 4% or more, and the minimum of 500,000 yuan per year is 20,000 yuan; If you want a higher one, you can choose a five-year smart deposit, with an annual interest rate of more than 5%, and 500,000 yuan of interest per year.

If you spend 500,000 yuan on a small storefront, the annual rent is 10,000 yuan, and the average monthly rent is 1,500 yuan, which is lower than the interest income of bank deposits, and it is definitely better to choose to deposit in the bank.

(2) 500,000 principal security analysis

If 500,000 choose to deposit in the bank to eat interest, as long as the 500,000 is in a legitimate bank, no matter what kind of deposit is deposited, the funds are absolutely safe and secure, and belong to a zero-risk state.

But 500,000 yuan to buy a small storefront, this fund is not safe, facing the face of not being able to rent out, or the façade has a market price, and in the end I am afraid that this façade is not enough 500,000 yuan, so 500,000 yuan is not safe to buy a storefront.

(3) From the analysis of liquidity

If you consider the liquidity of the 500,000 funds, it is definitely the best choice to deposit in the bank, as long as it is deposited in the bank, as long as there is an emergency, you can withdraw it in advance at any time, even if it is deposited regularly, you can also withdraw it in advance, and the liquidity of the funds on the façade is strong compared with the previous year.

It is difficult to realize the assets of the façade, the façade is not to say that it can be sold, even if someone is willing to buy the façade at any time, and so after the façade is sold to the procedure, the money is already too late to be used for emergency purposes, so the liquidity of funds must be better for bank deposits, and it is smart to choose deposits.

(4) Analysis from the convenience of the people

If you analyze the convenience of real life, it will be better to choose a bank with 500,000 deposits to deposit in the bank.

Because as long as the bank deposit is deposited in the bank, there will be interest, and it can also be automatically redeposited when it expires, and there will be no loss of deposit income at all.

Because the small façade is different, the small façade is rented out to obtain income, only the façade is rented out, and it is necessary to face the vacancy and the fluctuation risk of the façade, the most important point is that the façade needs to come forward by itself, and it is not so easy to get this rent, which is very troublesome.

Based on the above analysis, it is known that the same 500,000 yuan is deposited in the bank to eat interest, and the other is to buy a small façade of 10,000 yuan, and the two different ways to choose one of the two must be better to choose to deposit 500,000 yuan in the bank.

Because 500,000 deposited in the bank is higher than buying a small storefront, good security, strong liquidity, and can be convenient and other four advantages, so the answer is very simple and clear, 500,000 must be better to choose the deposit bank, do you recognize this choice?

It is better to buy a small façade with an annual rent of 18,000, because it takes too long to get interest in the bank.

If you won't use the 500,000 yuan in the next few years, then I suggest you can buy a shop. Let's take 10 years, 10 years, your store has sold more than 500,000 yuan, plus your rent of 180,000 yuan. You save in the bank, can you make so much money?

If you buy a small storefront, you can't make money by keeping it in the bank with interest, but you can make money by buying a storefront, whether it's renting it out or doing your own business.

Deposit in the bank, now that the façade has been bought, I don't know what business to do, and the physical store business is too difficult to do.